Hurricane Claims

Pensacola, Florida Hurricane Claims Lawyers

Insurance companies who take an inordinate amount of time to settle a claim or refuse payment on losses covered under a policy, may be guilty of insurance bad faith. At the law office of Stephen T. Holman, we represent people who have suffered financial loss due to hurricane damage covered under insurance policies, when insurers either refuse to honor or have delayed payment. In each instance, it is essential that homeowners understand the terms of their policy, what is covered, and the obligations of their insurer after a hurricane. And, although flood insurance is sold separately, it is often included in homeowners' and renters' insurance. Understanding what is covered and how to collect and provide documentation when making a hurricane claim is essential since there may be very little if any physical evidence of lost items.

Our office can assist you throughout the entire process, letting insurance companies know we are prepared to take them to court if they take too long or attempt to deny coverage under the terms of your policy. To schedule a free consultation, contact hurricane insurance claims attorneys at Stephen T. Holman today.

What Your Insurance Company should Provide for You after a Hurricane

An important component of hurricane insurance coverage is providing a level of basic services and needs for people immediately after a storm. Your insurance company should provide coverage for some or all of the following under the terms of your policy:

• Replacement costs for damaged property, including electronics, furniture, and appliances
• Reimbursement for food and shelter if you are not able to live in your home after a hurricane
• Damage to your roof or home due to someone else's tree
• Damage to any vehicles
• Payment for the removal of downed trees, branches, and debris

Homeowners' Insurance and Your Mortgage Company

Occasionally, a mortgage company fails to pay homeowners' insurance either through poor bookkeeping or general negligence. However, mortgage companies are now legally responsible for all damage that would have been covered under an insurance policy had it been paid. Additionally, a mortgage company can be held financially liable for all insurance reinstatement costs and fees if it was sent a payment-due notice by the insurer.

Our attorneys also prepare all necessary legal documentation and papers needed to take action against mortgage companies that fail to pay homeowners' insurance in hurricane claims cases. While you will likely need to pay costs for repairs, housing, and food upfront, our office may seek punitive damages in addition to reimbursement costs for your losses.

Contact Hurricane Claims Attorneys at Stephen T. Holman

It's often difficult to get the attention you need after a hurricane, especially when an insurance company is looking at millions of dollars in claims. As your legal representatives, our attorneys make sure insurers don't cut corners or attempt to use suspect rationalizations to deny coverage to our clients.

To schedule a free consultation and discuss how we can protect your interests, contact the hurricane claims attorneys at the law office of Stephen T. Holman today.